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 Credit Card v12, Credit card GST remains....

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SUSpersistence85
post Nov 23 2010, 12:05 PM

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QUOTE(gerrardling @ Nov 23 2010, 11:54 AM)
yes. same bank, approved within 1 day for citibank. CC is the core business for citibank, dont know why
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wow, within 1 day get approved? how about credit limit? higher than previous card? whistling.gif

SUSpersistence85
post Nov 23 2010, 01:18 PM

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QUOTE(SeanChang @ Nov 23 2010, 01:02 PM)
no need supporting document
u just need to call cs to ask 4 a 2nd card application form with simple form & signature

Mind you that it's a combine limit
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huh? combine limit? i thought supp card will have combine limit? new principal card combine limit meh? rclxub.gif

SUSpersistence85
post Nov 23 2010, 02:04 PM

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If i have 2 credit cards from the EON bank, the bonus point Rm1 = 1 point will be combined or seperate points for each card.
SUSpersistence85
post Nov 23 2010, 09:32 PM

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QUOTE(chemistry @ Nov 23 2010, 09:19 PM)
The bank did provide several solutions to me.
Either spend RM2k in 2 months' time OR subscribe to one Autopay service will do. At that time it was impossible for me to fulfill either one condition.

Talking about cancellation of Shell card recently, the bank did not even advise/persuade me, straight away proceed shocking.gif  OK lor, cancel then cancel lor biggrin.gif
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I have been using EON credit card since September 2010, still a newbie.

October bill - RM5,000 ++
November bill - RM 630 ++
December bill - haven't come out yet, roughly RM12, 000++

i make payment straight away before the statement even out...

wonder can request for increasement of credit limit or not? or must wait for 6 months? icon_question.gif

This post has been edited by persistence85: Nov 23 2010, 09:33 PM
SUSpersistence85
post Nov 23 2010, 10:31 PM

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QUOTE(chemistry @ Nov 23 2010, 09:35 PM)
If you often swipe nearby your credit limit, I believe the bank will consider.
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My credit limit is Rm4500 ...


Added on November 23, 2010, 10:31 pm
QUOTE(hye @ Nov 23 2010, 09:37 PM)
At least wait for 6 months - 1 year.
Why the rush .. ? And do understand an increase of your CL will also increase your "unsecured loans facility" for your credit profile.
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rush because i need to pay and swipe, pay and swipe, it's so inconvenience over limit doh.gif

This post has been edited by persistence85: Nov 23 2010, 10:32 PM
SUSpersistence85
post Nov 24 2010, 07:50 AM

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QUOTE(erry- @ Nov 24 2010, 06:36 AM)

apply another card with supporting documents including ur eon cc statement to get higher CL smile.gif

since u said u swipe-pay-swipe again, then 'new' bank will see that u afford to pay notworthy.gif
Er, do you mean applying same card or different card from the same bank? CCRIS can see how much total per month i use if they check? unsure.gif

my card not even more than 6 months oh.. bank will consider ma? unsure.gif

SUSpersistence85
post Nov 24 2010, 10:43 AM

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QUOTE(rayfoo @ Nov 24 2010, 08:13 AM)
hmm received paper statement from eon bank even though i subscribed from estatement already, lol, as long they don't charge me for it
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They will charge RM5 e-statement + paper based statement mad.gif
SUSpersistence85
post Nov 24 2010, 01:27 PM

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QUOTE(SeanChang @ Nov 24 2010, 12:28 PM)
Thanks for the info rclxms.gif

SUSpersistence85
post Nov 24 2010, 05:58 PM

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QUOTE(erry- @ Nov 24 2010, 05:48 PM)
apply with another bank. i said 'new' bank. u need to apply like dont have credit card before, but just bring ur eon credit card statement (latest 3 months better) as supporting docs to ur payslips and bank statements.
thats a good idea rclxms.gif

if i didnt bring my EON credit card statement, the "new" bank can't able to check out how much per month i use and my payment whether is punctual or not? wub.gif
SUSpersistence85
post Nov 24 2010, 07:48 PM

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QUOTE(persistence85 @ Nov 24 2010, 05:58 PM)
thats a good idea  rclxms.gif

if i didnt bring my EON credit card statement, the "new" bank can't able to check out how much per month i use and my payment whether is punctual or not?  wub.gif
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but applying another card at the same bank , thus the same bank can check how much u use per month right? and possibility to increase ur credit limit? tongue.gif

and moreover, same bank gets easier approval? brows.gif
SUSpersistence85
post Nov 24 2010, 08:26 PM

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QUOTE(hebe87 @ Nov 24 2010, 08:12 PM)
but same bank won't give you different CL for different card..

once approved, both old and new card shares the CL
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Thanks for the info.

Anyone here submit to the "new" bank using latest 3 months credit card statement and get approved with higher credit limit? rclxub.gif

SUSpersistence85
post Nov 24 2010, 10:13 PM

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QUOTE(kanethesun @ Nov 24 2010, 09:58 PM)
you havent go try apply CIMB eh?
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Haven't oh.. My new card only 3 months old oh.. can get approved?

What's news with CIMB?

This post has been edited by persistence85: Nov 24 2010, 10:31 PM
SUSpersistence85
post Nov 25 2010, 10:05 AM

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QUOTE(kanethesun @ Nov 25 2010, 05:02 AM)
never try, never know, just submit with your income document, that will help.
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I don't want to disclose my income, hence, i used fixed deposit pledge for my Eon credit card.

it's hard to get approved it i use 3 months credit card statements without income document? sad.gif

SUSpersistence85
post Nov 25 2010, 10:39 AM

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QUOTE(MilesAndMore @ Nov 25 2010, 10:21 AM)
If i am not mistaken, you cannot use a secured credit card to apply for another credit card.
You don't need to give your credit card statement. Just a photocopy of the card will do. However, most banks would require you to use it for more than 1 year before you can use your existing as a reference in applying for a new credit card from another bank.
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Hmm, can't use a secured/fixed deposit pledge credit card to apply for a another credit card even the card is more than a year and show good records?

Anyone in banking industry can confirm this?
SUSpersistence85
post Nov 26 2010, 12:10 AM

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QUOTE(jonuslee @ Nov 25 2010, 11:35 PM)
icic.issit maybank seldom give 5 years expired?All maybank card come with 4 years expiry date?how about other bank?
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My EON bank 5 years rclxm9.gif

SUSpersistence85
post Nov 26 2010, 12:00 PM

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QUOTE(hye @ Nov 26 2010, 11:23 AM)
You will be charged interest on top whatever that is not paid. So long you meet the indicative minimum payment, you are not into trouble. (See the "Minimum Payment" amount in your statement)

However do note that sometimes the installment plan is treated as a minimum commitment to pay. If you don't meet this minimum every month, the bank is considering you in default of payment every month. Get ready for a barrage of calls from the bank and if things get worse, a call from the bank's lawyers to see you.  icon_idea.gif
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lol @ bank's lawyer sweat.gif
SUSpersistence85
post Nov 26 2010, 12:45 PM

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Hmm, i plan to upgrade my current card to Gold card?

possible?
SUSpersistence85
post Nov 26 2010, 01:23 PM

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QUOTE(kanethesun @ Nov 26 2010, 01:21 PM)
you're holding EON Bank which card?
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Visa payWave .. plan to upgrade to gold card , u think possible?
SUSpersistence85
post Nov 26 2010, 01:36 PM

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QUOTE(kanethesun @ Nov 26 2010, 01:30 PM)
try apply and see the outcome? biggrin.gif

but I find that EON Bank is quite ... err, not generous I would say

I spent more than 12k from Oct 09 to Sept 10, they only upgrade my CL from RM3,000 to RM4,000

or maybe I am not big spender for them biggrin.gif
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September 2010 to November 2010 , spend around RM 23k ++


Oh , this month i exceeding my credit limit, used for almost Rm16, 000++ , my Credit Limit only 4.5k. I need to pay and swipe, pay and swipe sweat.gif

3 months card only. sweat.gif sweat.gif

proceed to EON bank branch and apply for increasement of credit limit and upgrade to gold card, dunno will get approved or not sweat.gif sweat.gif sweat.gif

This post has been edited by persistence85: Nov 26 2010, 01:38 PM
SUSpersistence85
post Nov 26 2010, 01:53 PM

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QUOTE(kanethesun @ Nov 26 2010, 01:48 PM)
am sure they will like big spender like you laugh.gif
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have a six sense feeling get rejected , lol.. coz new card but i just gave it a shot blush.gif blush.gif


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